Financing Archive

Community Banks Are Main Source of REALTORS®’ Commercial Financing in 2014

During 2013, commercial real estate witnessed a noticeable reversal in capital availability.  Following exceedingly stringent capital standards and overly tight liquidity in the wake of the 2008 recession, funding sources broadened.  The trends accelerated during 2014, as most major...

FHFA Director Mulls New Mortgage Costs

Mortgages rates on conventional loans could change in the coming months. The Federal agency that regulates the GSEs, the FHFA, is re-evaluating the fees that it allows Fannie Mae and Freddie Mac to charge consumers. With mortgage rates expected...

Mixed Signals as the Market Wades into Non-QM

Six months after the implementation of the QM/ATR rule, the market appears to be shifting modestly.  In the 3rd Survey of Mortgage Originators, which covers lending in the 2nd quarter of 2014, participants were asked about their willingness to...

3rd Survey of Mortgage Originators: QM, FHA, FHFA and FICO [September 2014]

Executive Summary Six months after the implementation of the QM/ATR rule, the market appears to be shifting modestly.  This survey serves as both a measure of change in the 2nd quarter and a bellwether for originators’ impressions of market...

REALTORS® Continue to Report Tight Credit

About 59 percent of REALTORS® reported that a sample of buyers in July had FICO credit scores of 740 and above. In the 2001-04 time frame approximately, 40 percent of residential loans acquired by the Fannie Mae and Freddie...